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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $607,859 | $155,833+290.1% | $124,693+387.5% | $167,536+262.8% |
| Participation rate | 100.0% | 81.1%+18.9pp | 74.6%+25.4pp | 82.1%+17.9pp |
| Annual return | -0.27% | 17.98%-18.2pp | 5144.19%-5144.5pp | 478.82%-479.1pp |
| Employer contribution / active EE | $20,204 | $4,164+385.2% | $3,324+507.8% | $4,839+317.5% |
| Participant deferral / active EE | $13,000 | $5,675+129.1% | $4,615+181.7% | $6,342+105.0% |
| Admin fee / account holder | $528 | $9,534-94.5% | $7,494-93.0% | $12,315-95.7% |